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Banking FAQs

What is Managed Banking?​

Unit's Managed Solutions enable companies to easily embed financial products for their customers and offer the fastest time to market and lowest technical and operational investment. Managed Solutions are available in three modules: Banking, Bill Pay and Capital. Benefits include:

  • Pre-built UI with customizable branding.
  • Rapid deployment (weeks, not months).
  • Compliance, risk, and customer support managed by Unit.
  • Embeds seamlessly into your product.
  • Ideal for companies prioritizing speed and cohesive branding.

How quickly can I launch with Managed Solutions?​

  • Teams typically launch within 2 to 4 weeks.

What features are included in Managed Banking?​

Managed Banking allows you to offer a complete set of business banking features, including:

  • Interest-bearing Deposit Accounts.
  • End-customer access to funds faster via Instant Payouts.
  • Physical and virtual debit cards with programmatic authorization and card controls.
  • Check deposits via mobile phones.
  • Send and receive ACH, same-day ACH, checks, and wires. Free, instant, 24/7 book transfers.
  • Multiple authorized user types on each account for role-based access.
  • ATM cash deposits and withdrawals at thousands of fee-free locations nationwide.
  • Integration to Plaid and Intuit (Quickbooks) to enable seamless business connectivity.

What technical resources do I need to launch Managed Solutions?​

Managed Banking is a no-code, pre-built solution that's easy to implement. Typically, the technical implementation only requires one engineer for up to two weeks of work, significantly reducing your time and cost to launch.

Can I customize Managed Banking to match my brand?​

Yes, Managed Banking includes customizable branding options to ensure the banking experience aligns seamlessly with your brand.

Who handles compliance and risk management in Managed Banking?​

Unit fully manages compliance, risk, and customer support, significantly reducing your operational burden.

Am I responsible for fraud risk in Managed Banking?​

No, fraud risk management is fully owned by Unit in Managed Banking.

Does Unit provide marketing support?​

Yes, Unit provides ready-to-use digital marketing assets, including branded emails, SMS messages, branded FAQ pages, and landing pages. Learn more in Activation Tools for Embedded Finance Programs.

What type of customer support does Managed Banking include?​

Unit's support agents manage all Managed Banking inquiries in-app and via a dedicated email, relieving your support team from additional volume.

Can I start with a Managed Solution and later build directly on the Platform?​

Yes. A Managed Solution is a pre-configured build on the Unit Platform rather than a separate product, so you can take on more of the build over time — configuring the building blocks and tooling yourself as your business grows, without re-platforming.

How does a Managed Solution compare to building directly on the Platform?​

A Managed Solution ships pre-built, configurable UI components, and Unit runs program management — risk, compliance, and operations — on your behalf. Building directly on the Platform means you assemble the building blocks yourself and run your product with the API, Dashboard, and UI components, which gives you fully customizable interfaces and deeper integration.

What else can I do when I build directly on the Platform?​

Building directly on the Platform gives you deeper customization, advanced control over risk management, fraud detection, and customer support, programmatic access to customer data, and room to expand into additional financial products.